High Risk Industries

Restricted industries (automatic decline) include:

• Ammunition or Weapons Manufacturing; wholesale and retail
• Bail Bonds
• Check Cashing Agencies
• Energy, oil trading, or petroleum extraction or production
• Federal Reserve Banks, foreign banks, banks, bank holding companies, loan brokers, commodity brokers, security brokers, mortgage brokers, mortgage bankers, mortgage companies, bail bond companies, or mutual fund managers
• Gaming or Gambling Activities
• Loans for the speculative purchases of securities or goods
• Pawn shops
• Political campaigns, candidates, or committees
• Public administration (e.g., city, county, state, and federal governmental agencies)
• X-rated products or entertainment

High-Risk Industries (subject to stricter underwriting guidelines):

• Agriculture or forest products
• Auto, recreational vehicle or boat sales
• Courier services
• Computer and software related services
• Dry cleaners
• Entertainment (adult entertainment is to be considered restricted)
• General contractors
• Gasoline stations or convenience stores (also known as c-stores)
• Healthcare; specifically nursing homes, assisted living facilities, and continuing care retirement centers
• Special trade contractors
• Hotels or motels
• Jewelry, precious stones and metals; wholesale and retail
• Limousine services
• Long distance or “over-the-road” trucking
• Mobile or manufactured home sales
• Phone sales and direct selling establishments
• Real estate agents/brokers
• Real estate developers or land subdividers
• Restaurants or drinking establishments
• Software or programming companies
• Taxi cabs (including the purchase of cab medallions) Travel agencies